WF

Rating buyTentativeAI Memo

Woori Financial Group

As of 2026-04-15/Confidence medium

Open ticker Back to Memos

Data freshness

AI Memo

As of 2026-04-15 • Model: RankAlpha Sentiment AI

Decision Panel

Action, confidence, horizon, and decision blockers at a glance.

Report quality notice

rating conviction does not match the scenario target upside

Action

buy

Confidence

medium

Horizon

—

Key catalyst

IR publication of FY2025 dividend schedule / payout details • 2026-06-15

Base target: $74 / p=60% prob

Biggest risk

Macro-driven NIM compression, unexpected credit costs, or conservative capital distribution decisions could drive the ADR toward the low analyst range; geopolitical or FX pressures on Korean banking assets would exacerbate downside.

Invalidation

Break below $55 or thesis failure.

What would change my mind?

Confirmation and sustained execution of a higher dividend policy (plus possibly additional buybacks) leads to a re-rating toward the analyst-high range; steady credit performance and stable NIM would support bull outcome.

Research note

Recommendation

buy

Confidence

medium

As of

2026-04-15

Base target

$74

p=60%

Bull target

$88

p=20%

Bear target

$55

p=20%

Key bullets

Fast scan of bull, bear, and watch items

BullKey bullets

High-dividend classification and capital-return clarity supports dividend re-rate
Confirmation and sustained execution of a higher dividend policy (plus possibly additional buybacks) leads to a re-rating toward the analyst-high range; steady credit performance and stable NIM would support bull outcome.
ANCHOR: {"price": 71.06, "timestamp_utc": "2026-04-13T00:00:00Z", "source": "rankalpha_api_adj_close"} ANALYST_TARGETS_REVIEWED: true Our base target (74.0) sits slightly above the analyst median (68.395) and comfortably within the analyst range (low 32.5 — high 97.26); bull (88.0) approaches the analyst high while bear (55.0) is modestly below the analyst median, reflecting dividend-execution and credit-risk scenarios.

BearKey bullets

Capital-distribution policy change or regulatory constraint
FX or geopolitical pressures on Korean assets
NIM compression from rate shifts or competition

WatchKey bullets

IR publication of FY2025 dividend schedule / payout details

Summary

High-level snapshot

Recommendation

buy

Model confidence

medium

Timeframe

Asset

Equity

Trigger

Base case: $74 (p=60%)

Target spread vs base: +19% / -26%

Scenario probabilities

Bull Target: $88 (p=20%)Base Target: $74 (p=60%)Bear Target: $55 (p=20%)

Commentary

Market commentary has recently focused on Woori's dividend stance and 'high-dividend' qualification, which underpins constructive tone among income-seeking investors [#SERP-1]. The company's IR dividend pages provide the operative framework investors are watching for concrete payout timing and amounts [#IR-undated]. Overall coverage is constructive but cautious given macro and credit uncertainties.

As of 2026-04-15 • Updated bi-weekly / post-earningsSource: Internal modelMethodology

Analyst Summary

Thesis highlights from the latest analysis

Bull Case

Bear Case

Drivers

Scannable catalysts and supporting factors

High-dividend classification and capital-return clarity supports dividend re-rate

Human Analyst Targets

External snippets for comparison only; verify at source.

Unverified externalLast fetched 2026-04-15Source quality: external scrape

External snippets are unverified; treat as directional signals only. Always confirm with the original provider.

Inline RA est

Provider

serper

Median (USD)

$68.40

Range (USD)

$32.50 - $97.26

Count

Query: Woori Financial Group Inc ADR (WF) analyst consensus price target high low average

Woori Financial Group Inc. ADR Analyst Estimates - WF - MarketWatch
Search result #2
9.33. Median PE on Next FY Estimate, N/A. Stock Price Targets. High, $77.53. Median, $66.36. Low, $51.09. Average, $65.95. Current Price, $56.58. Yearly Numbers.
Extracted: $77.53, $66.36, $51.09, $65.95, $56.58Open source
Woori Financial Group Inc Consensus Estimates (316140)
Search result #3
According to projections from 19 analysts, the average 12-month price target for Woori Financial is 37,442 KRW, with a high estimate of 45000 KRW and a low ...
Open source
WF Stock Quote Price and Forecast - CNN
Search result #6
View Woori Financial Group, Inc. Sponsored ADR WF stock quote prices, financial information, real-time forecasts, and company news from CNN.
Open source
WF Forecast, Price Target & Analyst Ratings - ChartMill
Search result #7
28 analysts have analysed WF and the average price target is 74.31 USD. This implies a price increase of 5.51% is expected in the next year ...
Extracted: $74.31Open source5 days ago
Woori Financial Group Inc (WF) Stock Price, Trades & News
Search result #8
The current price of WF is $70.43. The 52 week high of WF is $84.71 and 52 week low is $32.50. When is next earnings date of Woori Financial Group Inc(WF)?.
Extracted: $70.43, $84.71, $32.50Open source
Woori Financial Group Inc… (WF) - Stocks - Robinhood
Search result #9
View the real-time WF price chart on Robinhood and decide if you want to buy or sell commission ... Analyst ratings. 81%. of 16 ratings. Buy. 81.3%. Hold.
Open source

Scenarios

Bull Target (Scenario probability)

$88 / p=20% prob

Base Target (Scenario probability)

$74 / p=60% prob

Bear Target (Scenario probability)

$55 / p=20% prob

Analysis 2026-04-15 · RankAlpha Sentiment AI

Analysis reference price unavailable. Targets are shown without scenario returns.

Sentiment & Exposure

Sentiment unavailable: insufficient coverage

Events

Other notable items detected

EVENT2026-06-15
IR publication of FY2025 dividend schedule / payout details
Woori's investor-relations dividend page documents the group's post-2023 dividend framework; market should watch for publication of the FY2025 payout schedule and payment dates on the IR dividend page [#IR-undated].
Prob 80.00% • Move 5.00% • Priced-in 30.00%

Short-term Catalysts

Next few weeks

No short-term catalysts

Long-term Catalysts

Months to a year

High-dividend classification and capital-return clarity supports dividend re-rate
2026-12-31
Woori has an IR-stated dividend methodology (since FY2023) that frames payouts as a percent of average market price; confirmation/implementation of 'high-dividend' status and the FY2025 payout could materially support ADR re-rating vs peers [#IR-undated] (market reporting referenced the group's high-dividend qualification on 2026-03-23) [#SERP-1].
Prob 55% • Move 20% • Priced-in 40%

Risks

Capital-distribution policy change or regulatory constraint
FX or geopolitical pressures on Korean assets
NIM compression from rate shifts or competition
Unexpected loan-loss reserve increases

Peers

Symbol	Summary
PNFP	Regional bank peer with similar market-cap scale; useful comparator on deposit/loan mix and regional NIM trends.
UMBF	Mid-cap bank with comparable balance-sheet composition and U.S.-listed governance profile; helps gauge investor appetite for banking ADRs.
WBS	Similar-sized bank focused on commercial lending and retail deposits—relevant for comparing credit trends and capital-return behavior.

Sources

Internal and external references used in this analysis

Model source: RankAlpha Sentiment AI
Human targets: serper
Targets query: Woori Financial Group Inc ADR (WF) analyst consensus price target high low average
Analysis date: 2026-04-15

Loading AI feed…

Symbol

Summary

PNFP

Regional bank peer with similar market-cap scale; useful comparator on deposit/loan mix and regional NIM trends.

UMBF

Mid-cap bank with comparable balance-sheet composition and U.S.-listed governance profile; helps gauge investor appetite for banking ADRs.

WBS

Similar-sized bank focused on commercial lending and retail deposits—relevant for comparing credit trends and capital-return behavior.